Before we begin, I will put forward a pit prevention strategy for buying critical illness insurance: which is good for critical illness insurance, how to buy it cost-effectively, and teach you how to avoid these pits of insurance.
First, buy critical illness insurance, insurance to 70 years old or lifelong analysis.
For friends with sufficient budget, it is recommended to give priority to purchasing lifelong critical illness insurance, which has two advantages: on the one hand, the older you get, the higher the probability of getting serious illness, and we can also enjoy a health guarantee in the elderly with high incidence of diseases; On the other hand, we don't have to worry about getting old, because we are not good enough to buy health insurance.
On the contrary, if everyone's budget is not enough, we can buy regular critical illness insurance first, for example, until the age of 70, so that we can get relatively good protection before the age of 70, especially when we mainly bear family responsibilities. However, when everyone's income increases in the future, senior sister suggests that you add another life-long critical illness insurance as soon as possible.
If there is any doubt about how to choose the guarantee period for buying critical illness insurance, then this information will be better understood than the previous explanation: should critical illness insurance guarantee a fixed period or a lifetime guarantee?
Second, matters needing attention in purchasing critical illness insurance
When purchasing critical illness insurance, we should not only know the choice of protection period, but also pay attention to the following matters:
1. Are the conditions for critical illness insurance relaxed?
Generally speaking, critical illness insurance, as health insurance, will be informed before you apply for insurance. If the health information corresponding to the product is more relaxed, it is undoubtedly a good thing for sub-health people.
2. The insurance coverage should be sufficient.
You know, the critical illness insurance we bought is the coverage. Usually, the coverage of a critical illness insurance should cover at least the family's income compensation in the next three to five years, usually starting from 300 thousand yuan. If the budget is sufficient, the insured amount can be increased to more, but it should be noted that the higher the insured amount, the more expensive the premium.
So, how do we choose the appropriate amount of critical illness insurance? You can look at this article written by Senior Sister: How much insurance is appropriate? Tell me the doorway inside.
Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search!